- Public adjusters work for you, and not the insurance company. They want to get you what you deserve from your insurance company
- Dealing with your insurance provider during a claim can be time-consuming and frustrating. Public adjusters take that off your plate so you can get back to what matters in life
- They offer expert negotiators, who are backed by their own experts, to determine the proper value you should be receiving
- This all leads to higher settlements for their clients, which range anywhere from 10-1,000 times the initial insurance offer
When an unforeseen incident strikes your apartment, home, or other property, dealing with the insurance company can feel incredibly frustrating. Between reading and understanding your policy, negotiating with your insurance company, and being sure you’re getting a fair payout, the process can feel like a full-time job. This is where a public adjuster can make a significant difference during the claims process. If you’re asking yourself, “Should I hire a public adjuster?”, we’ll give you all the information you need to make an informed decision.
What Is a Public Adjuster?
A public adjuster is a licensed professional who works on your behalf, and not the insurance company. The insurance company’s adjuster will represent the insurance company’s interests, which may not always align with your best interests. One of the main reasons to hire a public adjuster is to have an advocate solely on your side who makes sure you get treated fairly concerning the insurance payout.
The Insurance Company Has a Team, You Should Too
Your insurance company will have a team of experienced adjusters, attorneys, and other specialists who have years of experience minimizing payouts on claims. They know how to use your policy language against you. Those facts alone should persuade you to hire a public adjuster.
You need someone in your corner who is looking out for your best interests, and also understands the complex policy jargon. This helps you and your claim by leveling the playing field against the big insurance companies.
Key Benefits Provided by Claims XP
To properly answer the question of whether you should hire a public adjuster, we need to look into the benefits provided by the public adjusters at Claims XP. Knowing the services they provide will help you determine if you need to hire a public adjuster.
Expertise in Understanding Your Policy Language
The team at Claims XP will have a one-on-one meeting with you to help explain the language in your policy to you in plain English. These policy documents can often be intentionally confusing to hinder your ability to advocate for yourself. Your public adjuster will be able to relay exactly what coverage you have, and possibly even coverage you may not know you have. This is the first step in getting you the appropriate settlement.
Property Damage Assessment
Conducting a proper assessment of the damage to your property requires a background in construction, materials, and current market pricing. The team at Claims XP works with local experts to determine a precise repair or replacement cost, even for personal items. They use forensic experts to find hidden damage that the insurance adjuster may not have seen. This could include electrical damage, structural damage, or water damage behind walls.
Time and Stress Relief
Dealing with an insurance company is exhausting. The experts at Claims XP will handle your paperwork, schedule inspections, and communicate with your insurance provider for you. One of the key reasons to hire a public adjuster is the amount of time you’ll save between all the phone calls and in-person site visits. When asking yourself “Should I hire a public adjuster?”, think about how much quicker you’ll be able to get your life back to normal when you aren’t stuck dealing with the insurance company constantly.
Negotiation Power
At Claims XP, we have expert negotiators who know how to deal with the insurance companies. We know how to effectively present evidence for your claim, counter a lowball offer, and push for the compensation you deserve. Don’t suffer a financial setback because your insurance company is trying to pay you the bare minimum. Let our expert team advocate for you.
Higher Settlements
With over 10,000 cases settled, we have a proven track record of getting our clients more than the insurance company had initially offered. We’ve been able to get anywhere from 10 times to 1,000 times what the insurance provider was trying to get you to take. It’s another reason that the answer to the question “Should I hire a public adjuster from Claims XP?” is a resounding “Yes!”
Reasons to Hire a Public Adjuster
The answer to whether you should hire a public adjuster depends on a variety of factors, including:
- The value of your claim (typically $25,000 or more)
- Your claim was denied, or you were offered an inadequate settlement
- Complex damage such as smoke or flood damage
- A delay by your insurance provider in the processing of your claim
- You’re uncomfortable negotiating with insurance representatives
- Your claim deals with a loss of income from damage to your business
Each of these affects the value of your claim, which your insurance company may not take into consideration. You will likely want to hire a public adjuster if even one of these conditions is relevant to you.
